New Bedford, MA · Charter 24913
NCUA · 1 branch
Q4 2021
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | -0.53% | -0.47% | -0.45% | -0.39% | -0.32% | -0.23% | -0.11% | +34 bps | |
| Return on Equity | -11.42% | -8.18% | -7.13% | -7.08% | -6.27% | -5.43% | -3.92% | -1.81% | +527 bps | |
| Net Interest Margin | 3.00% | 2.90% | 2.92% | 2.84% | 2.73% | 2.67% | 2.79% | 3.01% | +17 bps | |
| Efficiency Ratio | 99.15% | 102.15% | 103.70% | 106.06% | 106.99% | 108.42% | 105.23% | 102.66% | -339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 5.71% | 7.38% | 2.76% | 6.03% | 5.07% | -1.60% | -898 bps | |
| Loan Growth (YoY) | n/a | n/a | 1.35% | 2.08% | -0.42% | 2.51% | 5.63% | -0.20% | -228 bps | |
| Share Growth (YoY) | n/a | n/a | 7.01% | 8.53% | 3.52% | 7.00% | 5.56% | -2.37% | -1,089 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.13% | 0.06% | 0.23% | 0.05% | 0.04% | 0.03% | 0.06% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.67% | 0.62% | 0.62% | 0.58% | 0.58% | 0.58% | 0.58% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.69% | 6.54% | 6.55% | 6.35% | 6.16% | 5.83% | 5.96% | 6.34% | -1 bps | |
| Net Worth / Assets | 6.69% | 6.54% | 6.55% | 6.35% | 6.16% | 5.83% | 5.96% | 6.34% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.07% | 71.45% | 72.81% | 73.58% | 72.22% | 68.45% | 72.86% | 75.22% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |